If you have, you might realize that for endowment policies, during the first 10 years of the policy, there might be zero returns as the cash value of the policy might be less than the premiums you paid.

Most of the returns of an endowment policy are derived at the tail end of the policies.

Investing in Traded Endowment Policy (TEP) is buying priceless time!

If you can invest in a 30-year Endowment policy on the 22nd year, with remaining 8 years to maturity, you are investing in a policy that has been in force for 22 years with cash value built up over the years; you are effectively buying priceless investment time.

You have just managed to skip the initial years of an endowment policy and invest directly into an endowment policy which has surpassed break-even point and derive the maximum benefits at the tail end of the policies.

The yearly bonuses declared by the insurance company will provide steady growth for the remaining term of your policy; while at maturity, you will receive a final maturity (terminal) bonus that is usually substantially larger than the annual bonuses.

When you invest in Traded Endowment Policies (TEPs), you are actually “buying time” as you’re buying over existing with-profits endowment policies which were sold by the original policyholders before the maturity date, for reasons that may include debt clearance, re-mortgaging, cash requirements, and more.

Instead of waiting 30 years for an endowment policy to mature, you can choose to invest in TEPs with as short as 3 years to maturity!

Full Ownership

As a TEP investor, the policy will be legally assigned to you, making you the rightful owner of the policy. As the new policy owner, you will be fully entitled to the sum assured plus the attaching bonus, and all future bonuses and policy benefits. You may choose to reassign, surrender, sell or "will" the policy at any time.

No Health or Age Requirement

Anyone above 21 can invest in TEPs regardless of health conditions.

Flexible Term

You can choose the investment term according to your needs. There are 4-years to maturity policies to long term policies with more than 15-years to maturity. Thus, TEP is an excellent vehicle for financial planning and can be tailored for your needs, whether it is for children education, retirement planning or just to make your money work for you.

No yearly management & service fee

Once the policy has been legally assigned to you, you become the new owner of the policy. All bonuses declared by the insurance company go directly to you. Unlike Unit Trust/Mutual Funds, there is no yearly management or service fee to marginalise your returns.

High Guaranteed Cash Value

Every TEP that you invest in has a “Capital Guarantee” value in the form of the sum assured plus the attaching bonuses. These values once allocated cannot be reduced and removed.Attractive

Maturity Bonuses

In endowment policies, maximum benefits are derived at the tail end of the policies. If you buy a 25-year TEP with 5 years to maturity, you are investing in a policy that has been in force for 20 years; you are effectively buying priceless investment time. The yearly bonuses declared by the insurance company will provide steady growth for the remaining term of your policy; while at maturity, you will receive a final terminal bonus that is usually substantially larger than the annual bonuses.

With a high capital guarantee, low risk and great returns, it is not a surprise that Traded Endowment Policies (TEPs) have been popular with investors in England and Europe.

Now You Can Invest in Traded Endowment (TEP) right here in Singapore!It is now available in Singapore for you to invest in. Whether planning for children education, your retirement funds or simply to make your money work harder for you, TEPs can be catered to meet your different needs at different stages of your life.

The good news is if you’re interested to invest in TEP, you don’t have to go to UK to do it. You can invest in TEP right here in Singapore. To find out more about how you can invest in TEP, call us at +6281329582333 and +65 94234837 or email to us at
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and we’ll be pleased to assist.